Health sharing co-ops have been at this for some time, based on Christian principles. Samaritan Ministries, e.g., is $500/month for family and generally pays 1

Health sharing co-ops have been at this for some time, based on Christian principles. Samaritan Ministries, e.g., is $500/month for family and generally pays 100% of medical expenses, though no guarantees. Our monthly check goes directly to someone else in the group. Minimal overhead for admin. Also grandfathered in the ACA.